Scam Refund Debate: A Melbourne woman, Jane*, lost $646,035 to a romance scam after moving chats from Hinge to WhatsApp, reigniting calls for banks and dating apps to be forced to refund victims when scams slip through “tough” anti-scam laws that won’t fully bite until 2027. Payments Expectations: Australians are moving on from the old 3–5 business day transfer norm as PayID and the New Payments Platform drive near-instant expectations, pushing banks and fintechs to compete on speed and liquidity. Banking & Super: With the RBA holding rates and household costs still tight, readers are also looking at practical choices like term deposits vs ASX dividend shares and what super balances mean at different ages. Market/Policy Backdrop: Global markets are reacting to a more hawkish Fed tone, while Australia’s policy focus stays on managing shocks and keeping fuel and household pressures contained. Data Centres Boom: A major Melbourne hyperscale datacentre push is underway, but economists warn the productivity case isn’t automatic—highlighting the need for smarter planning as investment surges. HSBC Scam Penalties: HSBC Australia faces major fines tied to scam-protection failures, adding pressure on banks’ anti-scam controls and customer remediation. Child Online Safety: UK’s under-16 social media ban is drawing comparisons to Australia’s approach, keeping digital safety rules in the spotlight for regulators and platforms.